All applicants must meet the Coverage Eligibility.

• Visitors to Canada;
• Canadians who are not eligible for benefits under a government health insurance plan issued by a Canadian province or territory
• Persons who are in Canada on a work visa; or
• New immigrants who are awaiting coverage by government health insurance coverage from a Canadian province or territory.

All applicants must meet the Coverage Eligibility criteria in the application for insurance.

Applicants age 85 or less can choose from $15,000, $25,000, $50,000 or $100,000 coverage levels.

Applicants age 69 or less can choose $150,000 coverage.

Coverage For Side Trips

This insurance provides coverage for up to 30 days while travelling outside Canada as long as your side trip originates and terminates in Canada and does not exceed 49% of your total number of coverage days.

Trip Break

This insurance allows the policyholder to return home to attend special events for up to fifteen (15) days without terminating their coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back to Canada. There will be no refund of premium for any of the days during any return home.

To apply for coverage, you must complete the application for insurance no longer than 90 days prior to the effective date of insurance.

• The policy is issued for no more than 365 days.
• Application for insurance may be made before or after arrival in Canada. You will be subject to a waiting period if insurance is purchased after arrival in Canada.
• You may not be covered under more than one of our emergency medical plans at a time during a trip.
• A $75 (CDN) deductible will apply to each Emergency Medical claim made under this policy, unless the No Deductible, $500 Deductible or $1,000 Deductible option was chosen.
• All applicants must meet the Eligibility Requirements. Plan B applicants must complete the Medical Questionnaire to determine eligibility for Plan B.

Eligibility Requirements for all applicants

You are not eligible for coverage for any plan if:

• the date of your trip occurs during the time that you have been advised by a physician not to travel;
• you have been diagnosed with a terminal illness with less than 2 years to live;
• you have a kidney condition requiring dialysis;
• you have used home oxygen during the 12 months prior to the date of application.

Plan A

To be eligible for Plan A, applicants must:

• be at least 31 days and no older than age 85 (69 if purchasing $150,000 single-trip emergency medical coverage or the Multi-trip plan).

Plan B

To be eligible for Plan B, applicants must:

• be at least age 35 and no older than age 85 (69 if purchasing $150,000);
• truthfully answer 'No' to all questions on the Medical Questionnaire;
• be a resident of one of the following countries or districts: Austria, Australia, Bahamas, Barbados, Belgium, Bermuda, Cayman Islands, Czech Republic, Denmark, Finland, France, Greece, Germany, Hungary, Hong Kong, India, Ireland, Israel, Italy, Jamaica, Japan, Netherlands, New Zealand, Norway, Poland, Slovakia, South Africa, Spain, Sweden, Switzerland, Trinidad and Tobago, United Kingdom, and the United States of America.

You can reduce your premiums on CoverMe Visitors to Canada Travel insurance by choosing deductibles of $500 or $1000.

Premiums:

CoverMe Visitors to Canada Travel insurance premiums are easy to plan for. Following are some guidelines to consider as you review our rate chart:

• Premium rate is in $CDN per person.
• Emergency Medical Family Coverage rates are 2x the premium rate of the oldest traveller under age 55.
• Trip Interruption and Travel Accident Family Coverage rates are 3x the premium rate of the oldest traveller under age 55.
• Rates are subject to change without notice.
• Premium due is based on:
  1. The plan purchased;
  2. The age at the effective date of insurance
• Number of coverage days for Single-Trip plans must include:
  1. The date of departure;
  2. The date of return
  3. The number of days in between.
• Coverage will not take effect if your method of payment is not honoured.

• Coverage At A Glance
• Premium Rate Chart
• Top-Ups
• Savings And Deductibles

Coverage starts:

• for Single-Trip plans, on the later of:
  1. the effective date of insurance; or
  2. the time and date you arrive in Canada from home.
• for Multi-Trip plans, the time and date you initially arrive in Canada from home. Thereafter, the time and date of each arrival in Canada from home.

Coverage ends on the earliest of the following:

• each time you leave Canada to return home;
• when the number of days of coverage you purchased, as shown in your confirmation, expires;
• no more than 365 days after your effective date of insurance; or
• The first day you become insured under a government health insurance plan.

Waiting period:

A waiting period applies if the insurance is purchased after arrival in Canada and applies to any claim that is not the result of an accidental bodily injury. The waiting periods are:

• the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada
• the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada

The waiting period will be waived:

• in case of accidental bodily injury; or
• if you purchased this policy more than 8 days prior to the expiry date of an existing Visitors to Canada policy already issued by Manulife Financial, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the Plan you select.

Refunds:

To obtain a refund of premium

1. If you cancel your policy at any time before the effective date of insurance; or
2. if you return home before the date you were scheduled, as per your confirmation, and have not reported a claim against the policy, you may ask for a refund of the premium for the unused days of the trip. The refund request must not be for less than $25.

Simply contact us to ask for a refund and provide proof of the date you actually returned home.

All travellers insured under the same policy must return together for a refund to be possible.

No refunds are available for Trip Interruption and Travel Accident Insurance and Multi-Trip plans after the effective date.

Extensions:

Automatic extension of your coverage is provided beyond the date you were scheduled to return home as per your confirmation if:

• your carrier is delayed. In this case, we will extend your coverage for up to 72 hours;
• you are hospitalized. In this case, we will extend your coverage during the hospitalization and for up to 5 days after discharge from the hospital;
• you have a medical condition that does not require hospitalization but prevents travel. In this case, we will extend your coverage for up to 5 days.

In any case, we will not extend your coverage beyond 12 months after your effective date of insurance.

To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation. If you have not had a medical condition or a pending claim since your effective date of insurance, the extension may be issued upon request. If you have, the extension is subject to the approval of the Assistance Centre. A minimum premium of $25 will apply.